@catch22
Your post reminded me of a recent Wealth Track Show where the premise of life + liberty (rule of law) = higher long term investment returns.

Perth Tolle created the Life + LIberty Indexes on the theory that democracy pays. Her Freedom 100 Emerging Markets Index is proof, trouncing its autocracy-heavy benchmark in its first five years.

Haven't seen the play, but it looks like at least one production runs longer (2:25 + 15 min intermission) than the movie (2:00). That play running length is consistent with a 2008 production described in the NYTimes.
To each one's own.
("Snappier" could refer to dialog differences, but "glacial" suggests speed.)
https://www.shakespearenj.org/events/detail/a-man-for-all-seasons (see addl tkt info)
https://www.rottentomatoes.com/m/1013162-man_for_all_seasons

Saw it when it came out. Watched it again in the last five-ten years. Maybe I would enjoy the movie if I saw it again. I have also seen a competent stage production, and read the script.
In this case glacial refers to all of the backgrounds and atmosphere the movie injects.There's no time for that in a stage production. The interaction between the characters speaking their lines has to carry the show.
Or perhaps I miss the character of The Common Man who cuts through all of that stuff in a production of the play.
Or maybe time, and a little history, has left me less enchanted with More all these years later.

In case people missed it, the historical arc of increasing government immunity started with the Warren court.
Now I'm going to go and rewatch a movie I haven't seen in many years about the tension between divine right and the rule of law in days of yore:

A truly glacial adaptation of a much snappier stage play IIRC

In case people missed it, the historical arc of increasing government immunity started with the Warren court.
Now I'm going to go and rewatch a movie I haven't seen in many years about the tension between divine right and the rule of law in days of yore:

>> large cap value is the coming sweet spot.
I have been hearing this for over 40 years

”… for the next five years.”
I like the specificity here. I’ll have Siri remind me to sell in 5 years.

@rforno
I recently had both Magic Eight Balls detailed on the outside, not unlike a car being detailed. I have also awaited and now received the set of Nvidia chips I ordered; and they have been installed.
I have both of them set for a variety of technical indicators, which have served our house well over the years; versus, well, the humans who talk about the markets, as well as many advisors. As we are on the 'senior investor' side of things, it is much easier to maintain a very simple portfolio and remain satisfied.

Laddered CDs ... 1, 3, 5 years ... all paying 5.3%, nominally, risk free as they come. No fee on new issues.
MINT. 5.3% yield.
RPHIX. 5.7%.
CBUDX. 5.9%
CBLDX. 7.5%.
Come quickly to mind.
c

Thanks Charles . At 75 years young I think it's time for a few changes in portfolio . Take some more risk off the table.

Looks like Primecap Odyysey funds have higher midcap exposure cmpared to vanguard funds and as such have trailed vanguard counterparts for last couple of years. I have enough exposure to all the Mag 7 stocks everywhere else, So I think I will continue to hold existing Primecap Odyysey funds and not think of swapping into vanguard counterparts

I bought Primecap Odyssey Stock and Growth funds several years ago since Vanguard Primecap Growth and Core funds were close. I am trying to see if there is much difference between the these and if I should go back to Vanguard Primecap funds. Any thoughts?

I "unsubscribed" to anything "BofA" over 70 years ago. Haven't missed it at all. Not once.

I also have FMIJX & agree on FMIMX as I use to hold it. Waiting for a BIG dip buy.

I bought in the summer o 2023 after I ran across this article.
I had FMIJX in the IRA for years. Don't know why I didn't consider FMIMX.

@hank - CEF's are a different kind of animal that's for sure. Remember though that they can almost always trade at a premium such as in the case of PDI (see here PDI Overview). If you follow the link you should be presented with the 'Overview'. Click on the 'All' tab just to the left of the "overview' tab. Scroll through the information presented and you will see that it rarely, if ever, dips into the discount area.
Please understand that I am not making a sales presentation here. I've held this fund for a number of years and have a relatively lower cost basis. Depending on the time frame one chooses one could argue that it is a massive total return loser (see nearly everything FD1000 has ever opined on PDI) or an income bonanza. I would argue that one needs to pick their spots just like with any other potential investment choice.

FICO is corrosively sad; they serve up big errors to the reporting oligopoly when needed most, or needed not at all.
3 years after early retirement, FICO show :
my home address of ~3 moves ago which is ~9 years old.
my highest score ever....not much room left.
all this despite opening a new bank and credit card after retiring.
what are the repercussions of getting all these things wrong? none, just like the business credit raters.

Subramanian doesn't make sense.
If 1+2 above are correct then Subramanian models and predictions are useless too.
Quote "we recently reached, she reports, a 5,000 year low in interest rates" is false of course.
See (link1) (link2) and look at 5 years.
==============
Subramanian like most others, can't make predictions either. Just 2 examples:
On 11-21-2023 (link) "‘Stock Picker’s Paradise’: Bank Of America Strategists Predict S&P 500 Hitting Record High In 2024" + " S&P 500 closing 2024 at 5,000"
So far wrong on both, SPY/QQQ are doing great, no need to pick anything. SP500 is already at 5460.
On 12-03-2021 (link)
Listen to the interview around 2:05, "Stocks are not in a bubble."
The SP500 lost about 24% at the bottom in 2022.
So, looking at my dirty crystal ball, value COULD be the next thing, after all, it's been behind since 2009, but I have heard that EM, SC, and Value are surely the next thing for years already :-)
BTW, what exactly is VALUE investing? another tricky question. When NVDA PE in late 2023 was in the thirties, was that a value?
Schwab tells us (https://www.schwab.com/learn/story/ways-to-approach-falling-interest-rates)....when rates fall, "to look at high-quality stocks that are well positioned to continue servicing their debts"...mmm...isn't the high-quality stocks the ones at the top with huge cash and no debt?

How do they track interest rates over 5000 years? What was Noah getting on his CD's? Asking for a friend.
Asset light? I don't mean to make a prediction, but maybe they aren't thinking about rising mercantilist sentiments and re-shoring. Chinese EV factories aren't a subscription. World-wide economic populism doesn't seem interested in stinking subscriptions.
Valuations are all wrong, but value is the next big thing. Value without assets. Hooray.
It would be nice if value was the next new thing. I own a lovely chunk of DODGX that has been toiling along for years. But I read somewhere that predictions are useless.
What's all this talk about income? What happened to total return?
In my grandfather's day these lines of arguments were described as BS, for Blue Sky, of course.

Unfortunately, once a high balance is captured by the credit agencies, that high balance and the corresponding high credit utilization will stick for years. A quick or early payoff may not reverse that.

@mcmarasco: CGUS may well be a good choice. At present, I doubt that the FI allocation in a balanced fund will add much more value than what my pretty large stake in a MMF pays. I do have CBLDX and OSTIX as my sole bond funds and only one allocation fund, DGIFX. In the past, I held considerable stakes in balanced funds, i.e., Oakmark or Janus, but no more. In recent years, the FI portion and the allocation to international have held back the performance of the Vanguard target date funds in my TIAA account; there also I have shifted away from those holdings to an equity index or actively managed stock funds. YMMV and you may have a different approach.

I don't know if this applies to your situation or not but one common "gotcha" on many "No fees or Interest for the First X Years" is that interest and fees will accrue over the X time span if the credit charge account is not paid off before the end of that X time.
Also once you start receiving Billing Statements and they show a minimum amount due I would strongly suggest that you make that payment amount. Not worth the risk of a checkmark on your credit score.

Thanks @Mark. That all sounds very likely. I’d expect one can make those monthly payments with a simple transfer of assets from their Fidelity Cash Management account to Elan, who services the Fidelity card. There’s already some linkage established. In order to qualify for the 2% cash-back on purchases, you have to allow them to deposit the cash in a Fidelity account. (I selected CM). I’m pretty meticulous about stuff like that. Double-check for sure!